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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,578 | $52,353-91.3% | $120,225-96.2% | $82,448-94.4% |
| Participation rate | 47.2% | 58.3%-11.1pp | 69.6%-22.4pp | 68.1%-20.8pp |
| Annual return | 23.86% | 61.85%-38.0pp | 439.23%-415.4pp | 41.64%-17.8pp |
| Employer contribution / active EE | $565 | $1,510-62.6% | $3,475-83.7% | $2,551-77.9% |
| Participant deferral / active EE | $855 | $2,627-67.4% | $3,999-78.6% | $4,139-79.3% |
| Admin fee / account holder | $340 | $4,363-92.2% | $5,696-94.0% | $7,234-95.3% |